Car Insurance in Orlando
Why You Can Trust EverQuote
EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance.
Car Insurance in Orlando, FL
Unlike many of the largest cities in Florida, Orlando doesn't sit along the state's extensive shoreline. However, that doesn't detract residents and visitors from experiencing all Orlando has to offer, including the infamous Walt Disney World. Residents also note Orlando's numerous outdoor activities, bustling dining scene, and extensive shopping options.
If you're planning a move to Orlando or simply in the market for a new car insurance policy, it pays to shop around. While Florida's minimum car insurance requirements are lower than in other states, its status as the state's fourth-largest city means insurance premiums can be pretty high. Drivers new to Orlando must also pay attention to a few unique Florida driving laws, such as the option to turn right on red or left on an amber light.
Drivers seeking new car coverage in Orlando can benefit from comparing quote options from multiple insurance companies. That way, you can keep your car insurance cost in Orlando to a minimum while ensuring you have the protection you need. To explore your car insurance options, create a profile with EverQuote.
How much is car insurance in Orlando, FL?
The overall expense of car insurance in Orlando largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
+
What are the cheapest cars to insure in Orlando?
Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in Orlando:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $213 |
| 2 | Honda Cr-V | $216 |
| 3 | Honda Odyssey | $228 |
| 4 | Ford F-150 | $228 |
| 5 | Toyota Corolla | $232 |
| 6 | Toyota Rav4 | $234 |
| 7 | Toyota Tacoma | $236 |
| 8 | Chevrolet Silverado | $239 |
| 9 | Kia Sol | $241 |
| 10 | Toyota Tundra | $241 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in Orlando, listed from the least impactful to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| No Claims or Violations | $234 | - |
| Not at-fault Accident | $254 | +9% |
| Driving with expired registration | $277 | +18% |
| Speeding Ticket | $302 | +29% |
| DUI | $331 | +41% |
| Driving with a suspended license | $343 | +47% |
| At-fault Accident | $350 | +50% |
| Hit and Run | $360 | +54% |
What car insurance discounts can I get in Orlando?
In Orlando, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $208 | +$26 |
| Paid in Full | $212 | +$22 |
| Low Mileage | $223 | +$11 |
| Multi-Policy Renters | $225 | +$9 |
| Renewal discount | $229 | +$5 |
| Electronic Funds Transfer | $230 | +$4 |
| Paperless | $231 | +$3 |
| None | $234 | - |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.